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IN RE RITTER

Bankruptcy No. 07-13863(ELF). Adversary Nos. 07-00323(ELF), 07-00339(ELF).

404 B.R. 811 (2009)

In re Margaret A. RITTER, Debtor. Chase Bank USA, N.A., Plaintiff, v. Margaret A. Ritter, Defendant. Chase Bank USA, N.A., Plaintiff, v. Margaret A. Ritter, Defendant.

United States Bankruptcy Court, E.D. Pennsylvania.

May 7, 2009.

Attorney(s) appearing for the Case

Kenneth F. Carobus, for Plaintiff.

Lauren G. Buchanan, for Defendant.

OPINION

ERIC L. FRANK, Bankruptcy Judge.

I. INTRODUCTION

In 1985, Margaret A. Ritter ("the Debtor") opened a credit card account with Chase Bank USA, N.A. ("Chase"). She opened a second credit card account with Chase in 1990. She filed a voluntary chapter 7 bankruptcy petition on July 9, 2007. At that time, she owed Chase more than $28,000, accounting for one-half of her total of unsecured debt.

In these adversary proceedings, Chase seeks...

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